3.87 Acres in Sumter, SC – Build, Farm & Homestead for Under $19K

3.87 Acres in Sumter, SC – Build, Farm & Homestead for Under $19K

Here is an affordable opportunity to own 3.87 acres of residentially and agriculturally zoned land in Sumter County, South Carolina — offered at just $18,900. With paved road access, no HOA, and ultra-low annual taxes of only $166, this parcel offers genuine flexibility for buyers seeking buildable land in the South Carolina Lowcountry at a price that is hard to beat. The zoning supports homes, mobile homes, manufactured homes, tiny homes, cabins, and personal farming — making this a versatile holding with real long-term potential.

Sumter County sits in the heart of South Carolina's Coastal Plain, a region defined by its warm climate, lush greenery, and rich agricultural heritage. The area blends small-town Southern charm with easy access to the amenities of a mid-sized city, and the broader Midlands region is known for its lakes, state parks, and outdoor recreation. Whether you are looking to put down roots, raise animals, or simply secure a piece of affordable South Carolina land, Sumter offers a welcoming and well-connected setting.

⛰️ Property Highlights

• Lot Size: 3.87 acres (168,577 sq ft)

• Zoning: AC — Agricultural Conservation (allows residential and agricultural development; see Important Property Information below)
• Road Access: Paved Road
• Utilities: Well Needed, Septic Needed
• HOA: None
• Taxes: $166.00/year

🏠 Perfect For

✅ Building a single-family home (residential construction permitted under AC zoning)

✅ Placing a mobile home, manufactured home, or tiny home

✅ Building a cabin or rural retreat

✅ Personal farming, livestock, and homesteading

✅ Recreational land ownership and outdoor enjoyment

🌿 Enjoy Everything Sumter Has to Offer

✅ Sumter is a welcoming mid-sized city with shopping, dining, healthcare, and schools readily accessible

✅ Swan Lake Iris Gardens — a beloved and unique municipal park in the heart of Sumter, home to all eight known species of swans

✅ Poinsett State Park — a scenic South Carolina State Park offering hiking, camping, and natural beauty in the sandhills and Lowcountry transition zone

✅ Lake Marion and Lake Moultrie — two of South Carolina's largest lakes, offering world-class fishing and boating within the broader region

✅ Shaw Air Force Base — a significant presence in the local community, supporting the area's economy and infrastructure

✅ Convenient access to Columbia, SC (approximately 45 miles west), offering major-city amenities, universities, and the Columbia Metropolitan Airport

Important Property Information

This parcel is zoned AC (Agricultural Conservation) by Sumter County. The AC designation is intended to preserve rural and agricultural character while permitting certain residential and agricultural development. Residential construction is allowed, and the minimum lot size for a single-family home is 1 acre — this 3.87-acre parcel meets that threshold.

Floodplain & Wetlands — Read Before Purchasing: This parcel is located within a FEMA Zone AE floodplain. Residential and other structures are permitted, but the lowest floor must be elevated at least 2 feet above the FEMA Base Flood Elevation (BFE), and all structures must be properly anchored against flotation, collapse, and lateral movement. Basements are not permitted. Enclosed areas below the required elevation are generally limited to parking, access, or storage and must include compliant flood openings. The exact BFE, floodway boundary, buildable envelope, required elevations, and wetland limits must be confirmed through a survey and engineering review before any construction, septic placement, or site planning.

Allowed Uses (verified): Homes, Mobile Homes, Manufactured Homes, Tiny Homes, Cabin

RV Living: Not Allowed

Farm Animals: Allowed. AC zoning permits domestic and personal livestock including chickens, goats, sheep, horses, cattle, and pigs, subject to applicable regulations. Personal farming associated with a residence has no minimum acreage requirement; commercial farming requires at least 3 acres. Barns, stables, pens, and animal shelters must generally be set back at least 100 feet from the nearest residential property line.

Setbacks: 35 ft front / 12 ft sides / 50 ft rear

Impact Fees: None

Utilities: A well must be drilled and a septic system must be installed — neither is currently present on the property. Placement of septic systems may be affected by floodplain and wetland conditions and will require county review.

Before purchasing, buyers are strongly encouraged to contact:

• Planning / Floodplain: (803) 774-1660 — Ask about BFE, floodway boundaries, building envelope, 2-ft freeboard requirement, barn/farm-animal structures, and floodplain permits. Email: @sumtersc.gov
• GIS: (803) 774-1607 — Request the official parcel, zoning, and FEMA floodplain/floodway map
• Building Department: (803) 774-1600 — Ask what is required to obtain a residential building permit in Zone AE
• Main Office: 12 W. Liberty St., Sumter, SC 29150 (Liberty Center — City/County Building, Planning & Zoning offices)

💰Owner Financing Available

• Owner finance available with no credit check or income verification
• Contract for deed, deed transferred after final payment
• Everyone is approved
• Down payment: $5,000
• APR: 10%
• $249 processing and origination fee applies to all new loans

💰 Monthly Payment Options

Financed amount: $20,500.00 (owner finance price $25,500 − $5,000 down payment)

• 5 Years (60 months): $435.56/month
• 7 Years (84 months): $340.32/month
• 10 Years (120 months): $270.91/month

All payments are principal and interest at 10% APR. The $249 processing and origination fee is separate — it is not included in the financed amount or in the monthly payments above.

Closing & Title Options

This property can close through a title company with title insurance for approximately $800–$1,200, or through Land Supplier’s in-house closing for $299. The buyer is responsible for performing their own due diligence and for paying all closing costs and title fees if choosing to close through a title company.